This is a continuation of a series, the fifth part of which can be found
here. If you are like me and can't remember where you put your keys or what your middle name is, please go back and scan over it before continuing.
Let’s step inside the boardroom with the insurance industry leaders and the government health care reform bureaucrat:

“So, you want us to maintain health insurance plans for our clients’ employees even after retirement?”
“
Yes, for this plan to work everyone will need to be insured, and why should an employee who’s had the same plan for twenty years need to go out and switch it just because he retires? Employers will need to offer these plans after retirement.”
“But surely we can increase the premiums after they are no longer with the company and enjoying the benefits of being part of a large group?”
“
No, that would be contrary to keeping health coverage affordable. Don’t worry… the employer will still be paying his portion. You can increase his expense if you’d like.”
“But isn’t part of the government’s complaint that health insurance premiums are already too high. Isn’t this because companies pass the costs on to their employees?”
“
We’ll cross that bridge when it comes up… if it ever does.”
“It says here that we will be required to offer insurance policies to everyone, regardless of previous health conditions.”
“
That’s correct. As I stated, in order for the plan to work everyone must be insured.”
“Surely we will be able to charge higher premiums to someone who knowingly comes to us with, say, Stage III cancer or diabetes or heart disease? Their medical expenses are going to be astronomically higher than a healthy 22-year old single male’s.”
“
No, the plan protects people from those types of discriminatory practices. That’s why we’ve had to step in for reform. The people demand it.”
“So we are, by law, hereby required to offer everyone health care insurance at the same rate, regardless of current or previous health conditions, regardless of whether they are part of a larger group or not, and provide said coverage for them from birth until death?”
“
In a word, yes. It’s what’s fair… everyone deserves health care coverage.”
“But we can’t discriminate between healthy and ill and we can’t raise our rates or penalties?”
“
Correct. In a free society everyone deserves equal access to life… and thus, health care insurance.”
“And just how are we supposed to stay in business?”
“
I’m not an expert on matters of profit. That’s your job. We are here merely for the public good, not the insurance industry. Do you really want the government to start telling you how to run your business?”
With the help of one Republican vote (Olympia Snowe – ME) they

are well on their way. That vote by Olympia Snowe assured the passage of a health care expansion bill through the Senate Finance Committee, and provided the Democrat Party the example of bipartisan capitulation… uh,
cooperation they needed to turn the media back on to Helthkare Яeform. More about the meaning of Republican Olympia Snowe’s vote and others like it later.
I know that to many of you the example above seems rather far-fetched. You will hear politicians and

reporters swear that those points are not in the health care reform bills and that this scenario could never happen. Do not be fooled by such rhetoric. Ask yourself questions, seek the answers, and you will see through this kaleidoscope called reform.
The big source of contention at this point, between and amongst the parties, is whether or not there will be a publicly funded, government run insurance plan available to compete against the insurance industry and keep it in check. In general, the Democrat Party, less the so-called Blue Dogs, believes there should be, while the Republican Party, again, in general, believes there should not be such an option. Let’s take a quick look at the idea regardless of whether or not it will happen.
The idea of government-run anything competing against the private sector is ludicrous. I’ll never forget a government class I took at Texas A&M, a very conservative school. The professor (I’ll call her Mrs. Hinkley) wore her hair in what my wife informs me is a short flip. This caused

Mrs. Hinkley to look reminiscent of
The Flying Nun, which was not conducive to maintaining my concentration. So, it was understandable that one day I really thought I misheard her in class. In fact, what I thought she said was so far removed from common sense, let alone empirical evidence to the contrary, that I couldn’t take another note that day… I sat and stared at my notes in disbelief.

That was in my uniformed days, and we were encouraged not to make any “scenes” in class, so I waited to see The Professor in her office later that afternoon. “I know that I misheard you so I came here for clarification. What I wrote down was, ‘The government handles only those duties that the private sector tried to fulfill and failed.’ Now, what was it that you really said?” That’s what I asked her, right there in her office.
“
You heard me correctly.”
“Um… (pregnant pause) what… um… what did you mean (pause) exactly?”
“
Just what I said. The government does those things that the private sector has failed at.”
“Surely you can’t be serious? What on earth could the… the private sector can… with failures in the government… how can you possibly defend such a position? Can you name one thing the government does better than the private sector?”
“
Education.”
I didn’t mean to laugh in her face, and did a decent job of pretending to choke on a grasshopper. “Education? Private schools versus public schools? You can’t be serious.” Remembering that she was employed by a state university, I decided to change tack. “Can you name another?”
“
The mail service.”

“‘When it absolutely, positively has to be there overnight?’ The mail service is a government-enforced monopoly. Currier companies in New York have been shut down for delivering letter-sized-”
“
Did you have any further questions… I’m very busy.”
I got a
B in that course. A
government course!
Me!
The fact is the government can’t compete in anything. If there’s any need to explore the differences in education you clearly did not attend private school. Mail delivery? In 230+ years the biggest innovation the US Postal Service has managed to come up with is Saturday delivery… which they continually try to get rid of! My blog host just sent this 1,281 word paper to you in… well, we don’t even talk about transmission times anymore – that’s how fast. This technology was originally developed 30 years ago by Xerox, a
private company. And the government is going to compete? The people want the government to run the health care industry?
Seriously, though, pick anything you want. Defense? Weapons are purchased through contracts with
private companies. Companies that make airplanes for visiting your grandmother in Boca Rotan. Inoculations? Vaccinations developed and manufactured by
private companies, purchased through contract with your tax dollars. Transportation, entertainment, food preparation, hospitals – I know that many in favor of health care reform like to claim that veterans are very pleased with the V. A. and that seniors are pleased with Medicare based upon the number that use them, but it's hard to differentiate between satisfaction and complacency in the absence of options.

Tune in for tomorrow's continuation when I let guest blogger Barack Obama fill in while I go to a heritage festival and car show (didn't I mention I was from the south?) Actually, he won't be writing it, but I have included a number of quotes from him. Tune in!